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CCA Requests - reconstituted agreements and statements

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  • CCA Requests - reconstituted agreements and statements

    With regards to reconstituted agreements under a CCA request, I have been lead to believe that there is now case law to support the use of these. However, what proof should the creditor provide to show that the terms of the reconstituted agreement were those in place at the time the agreement was meant to have been signed?

    Also, the account statement that should also be provided as part of the CCA request, should this cover all transactions since the account was opened or can it just cover transactions since the account was with the current credit owner?
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